Author: Chelsea Culp

A check presentation was held on Friday, November 3^rd to present DREAM Together incentive funds to BHW Properties, LLC in the amount of $50,000. BHW Properties, LLC took advantage of the DREAM Together partnership program offered by FNB Bank and First Kentucky Bank.  The DREAM acronym stands for Downtown Revitalization & Economic Advancement for Mayfield.  Together, both Mayfield-based banks have partnered to provide incentives and low interest loans for businesses that want to rebuild and invest again in downtown Mayfield.  The collective goal of FKB and FNB is to stimulate economic development and put jobs back in one of the hardest hit areas in the community.

BHW Properties, LLC is investing in the Mayfield community with plans to build a 10,500 square foot Family Dollar/Dollar Tree combination store. The store will be located on East Broadway Street near the former location of Family Dollar that was destroyed in the December 10^th, 2021, tornado.

About FNB Bank, Inc.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $670 million.  FNB ranks among the highest in the nation in the area of safety and soundness and has earned three consecutive ‘Outstanding’ ratings for the Community Reinvestment Act (CRA) by the FDIC.  FNB is a 2021, 2022, and 2023 ‘Best Places to Work in Kentucky’ Small Business Category Award Winner.  The bank currently has ten locations located in Graves, McCracken, Calloway, Trigg, and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

About First Kentucky Bank

First Kentucky Bank is a Kentucky-based community bank established in 1899 with assets exceeding $552 million. First Kentucky provides a personal approach to finances for those in six counties, including Carlisle, Graves, Livingston, Marshall, Muhlenberg, and Ohio. They are committed to bringing customers simple ways to connect, grow, and protect their financial health in both personal and business endeavors.  First Kentucky is a Member FDIC bank and an Equal Housing Lender.

A check presentation was held on Friday, October 27^th, to present DREAM Together incentive funds to Riley Architect Services, PLLC in the amount of $14,000. Riley Architect Services, PLLC took advantage of the DREAM Together partnership program offered by FNB Bank and First Kentucky Bank.  The DREAM acronym stands for Downtown Revitalization & Economic Advancement for Mayfield.  Together, both Mayfield-based banks have partnered to provide incentives and low interest loans for businesses that want to rebuild and invest again in downtown Mayfield.  The collective goal of FKB and FNB is to stimulate economic development and put jobs back in one of the hardest hit areas in the community.

The Riley Architect Services office was formerly located in the Hall Hotel in downtown Mayfield. The building sustained severe damage from the December 10, 2021, tornado that swept through Mayfield and destroyed their office.  The firm has now relocated a few blocks from their former location to 500 South 6^th Street in Mayfield. “Riley Architect Services is incredibly thankful to FNB Bank and First Kentucky Bank for their leadership in the revitalization effort and providing incentive money to encourage businesses to relocate in Mayfield, Kentucky,” stated Elizabeth Miller Riley of Riley Architect Services, PLLC.

About Riley Architect Services, PLLC

Riley Architect Services, PLLC was incorporated in 2005 and is located in Mayfield, Kentucky providing architectural services for municipal, educational, commercial, industrial, historic preservation, and non-profit clients.  Riley Architect Services, PLLC has completed award winning projects in 4 states.  Riley Architect Services, PLLC maintains an office staff of six designers and partners with multiple larger design and engineering firms to meet the demands of our clients.  Riley Architect Services, PLLC is proud to call Mayfield, Kentucky home and thankful to be part of the downtown revitalization and grateful to FNB and 1^st Kentucky Bank for their generosity. 

About FNB Bank, Inc.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $670 million.  FNB ranks among the highest in the nation in the area of safety and soundness and has earned three consecutive ‘Outstanding’ ratings for the Community Reinvestment Act (CRA) by the FDIC.  FNB is a 2021, 2022, and 2023 ‘Best Places to Work in Kentucky’ Small Business Category Award Winner.  The bank currently has ten locations located in Graves, McCracken, Calloway, Trigg, and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

About First Kentucky Bank

First Kentucky Bank is a Kentucky-based community bank established in 1899 with assets exceeding $552 million. First Kentucky provides a personal approach to finances for those in six counties, including Carlisle, Graves, Livingston, Marshall, Muhlenberg, and Ohio. They are committed to bringing customers simple ways to connect, grow, and protect their financial health in both personal and business endeavors.  First Kentucky is a Member FDIC bank and an Equal Housing Lender.

The Independent Community Bankers of America (ICBA) recently announced the winners of its 2023 National Community Bank Service Awards in recognition of the creative and exemplary efforts of the nation’s community banks to help their local economies flourish. Together with First Kentucky Bank, FNB Bank received an honorable mention for our DREAM Together (Downtown Revitalization and Economic Advancement for Mayfield) initiative helping small businesses rebuild following the devastating EF4 tornado that swept through Mayfield on December 10, 2021.

“ICBA celebrates our 2023 National Community Bank Service Award winners and is honored to share these inspirational stories, which demonstrate the resourcefulness and unwavering commitment of local community banks to the customers and communities they serve—most notably during times of need,” ICBA President and CEO Rebeca Romero Rainey said. “These acts of service are a poignant reminder of why community banks are different and are central to ensuring strong and resilient communities nationwide.”

The DREAM Together Initiative began in March 2022, following the aftermath of the December 2021 tornado. Together, both Mayfield based banks have partnered to provide incentives and low interest loans for businesses that want to rebuild and invest again in downtown Mayfield.  The collective goal of First Kentucky Bank and FNB Bank is to stimulate economic development and put jobs back in one of the hardest hit areas in the community. “Together, we’ve participated on a little less than $3 million worth of loans, and we’ve given out around $300,000 in incentives combined through grants for people to rebuild,” says Sam Mahan, FNB Bank VP/Senior Lender. For more information regarding the DREAM Program, please visit: https://growwithfnb.com/dream-program/.

The 2023 ICBA National Community Bank Service Award winners are:

Emerging Community Bank Service Award:

Cross Bank – Wynne, Arkansas

Exceptional Community Bank Service Award:

First Federal Savings & Loan Association – Pascagoula, Mississippi

Honorable Mentions:

Olympia Federal Savings – Olympia, Washington

Synergy Bank – Houma, Louisiana

First Kentucky Bank and FNB Bank – Mayfield, KY

To read more on the award winners, please visit: https://www.icba.org/newsroom/news-and-articles/2023/09/06/icba-honors-2023-national-community-bank-service-award-recipients. More than 100 community banks and employees have been recognized by the ICBA National Community Bank Service Awards since the program’s inception in 2002. Bank technology services provider FIS, of Jacksonville, Florida, sponsored this year’s program.

About ICBA

The Independent Community Bankers of America® creates and promotes an environment where community banks flourish. ICBA is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education, and high-quality products and services. With nearly 50,000 locations nationwide, community banks employ nearly 700,000 Americans and are the only physical banking presence in one in three U.S. counties. Holding $5.8 trillion in assets, $4.8 trillion in deposits, and $3.8 trillion in loans to consumers, small businesses and the agricultural community, community banks channel local deposits into the Main Streets and neighborhoods they serve, spurring job creation, fostering innovation, and fueling their customers’ dreams in communities throughout America. For more information, visit ICBA’s website at www.icba.org.

About FNB Bank, Inc.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $670 million.  FNB ranks among the highest in the nation in the area of safety and soundness and has earned three consecutive ‘Outstanding’ ratings for the Community Reinvestment Act (CRA) by the FDIC.  FNB is a 2021, 2022, and 2023 ‘Best Places to Work in Kentucky’ Small Business Category Award Winner.  The bank currently has ten locations located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

About First Kentucky Bank

First Kentucky Bank is a Kentucky-based community bank established in 1899 with assets exceeding $554 million. First Kentucky provides a personal approach to finances for those in six counties, including Carlisle, Graves, Livingston, Marshall, Muhlenberg, and Ohio. They are committed to bringing customers simple ways to connect, grow, and protect their financial health in both personal and business endeavors.  First Kentucky is a Member FDIC bank and an Equal Housing Lender. 

FNB Bank is proud to announce that Lauren Berberich was recently promoted to Office Manager for our Lone Oak Office, located at 3445 Lone Oak Road in Paducah. In her new position, Lauren will be primarily responsible for leading day to day operations of the branch. Lauren has over five years of banking experience with FNB.

Lauren is a 2008 graduate of Graves County High School. She has previously served as a Universal Banker and Indirect Lending & Customer Support Center Associate for FNB.  Lauren currently resides in Mayfield with her husband, Eric, and children: Adisyn, Kaysin, Hadlee, and Ryland.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 million.  FNB ranks among the highest in the nation in the area of safety and soundness. The bank currently has ten offices located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

FNB Bank is proud to announce that Lori Noel has been appointed to the Kentucky Agricultural Finance Corporation (KAFC) Board by Kentucky Commissioner of Agriculture Dr. Ryan Quarles. Lori currently serves as Executive Vice President and Chief Lending Officer for FNB.  Lori has an extensive banking background with over 30 years of experience. 

Lori is a 1992 graduate of Marshall County High School and attended Murray State University.  She is a graduate of the Southeastern School of Advanced Commercial Lending and Kentucky Bankers Association General Banking School.  She is enrolled in the Graduate School of Banking Wisconsin for the 2022-2024 program.  Lori has previously served on the Junior Achievement of Calloway County Board, as a Board Member and Treasurer for Calloway County Livewell Booster Club and is a former Rotary member.  Lori and her husband, Robbie, currently reside in Kirksey.  They have four sons: Trevor, Tyler, Colton and Colby.

The KAFC addresses the unique financing needs of agriculture in the Commonwealth.  The mission of the KAFC Board is to strengthen Kentucky agriculture by providing access to low-interest loan programs through joint partnerships with local lending institutions. KAFC assists beginning farmers, farm families, and agribusinesses in obtaining the necessary capital to establish, maintain, or expand their agricultural operation.  To learn more about KAFC, please visit: https://www.kyagr.com/agpolicy/Kentucky-Ag-Finance-Corporation.html.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 million.  FNB ranks among the highest in the nation in the area of safety and soundness. The bank currently has ten offices located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

FNB Bank is proud to announce that Jennifer Galloway, HR Associate, has been nominated for a Four Rivers Society of Human Resources Management (SHRM) 2023 Award of Excellence.  The nomination is for the “Rookie of the Year” award.  Nominees are nominated by their peers, recognizing their outstanding achievements.  Winners will be announced at the Four Rivers SHRM annual HR Celebration on Tuesday, September 26^th.

Jennifer is a graduate of Mayfield High School. She also attended Paducah Community College and obtained a degree in Organizational Leadership from Mid-Continent University.  She has over 20 years of experience in the banking industry and has served as FNB’s Human Resources Associate since 2019.  Jennifer attends Rozzell Chapel Church in Mayfield.  She currently resides in Mayfield with her husband, Jonathon and daughter, Nellie.

Four Rivers Society for Human Resource Management is committed to excellence in the practice of HR management with members from across Western Kentucky and Southern Illinois. Founded in 1997, the not-for-profit professional organization serves its members by providing professional development opportunities and information relevant to the ever-changing environment of human resource management. Members serve the community through public service activities and support in the areas of education and workforce development.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 million.  FNB ranks among the highest in the nation in the area of safety and soundness. The bank currently has ten offices located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

FNB Bank is proud to announce that groundbreaking for FNB’s new Operations Center took place on Monday, August 28^th, 2023. The new Operations Center will be located on the block of land behind FNB’s Mayfield Main Office, on E North Street. The building will house FNB’s Operations and Customer Support Center staff.

“We are pleased to begin construction on our new Operations Center as it is additional progress on our road to recovery from the tornado’s destruction of our facilities,” stated Sally Hopkins, FNB President and CEO. “Our Operations team has worked efficiently and effectively in temporary offices but are ready to be back in a permanent home. This groundbreaking is the first step toward that goal.”

The newly constructed Operations Center is estimated to be completed in late 2024. The former Operations Center, located at 201 N 8^th Street, was destroyed during the December 10, 2021, tornado that swept through Mayfield.

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 million.  FNB ranks among the highest in the nation in the area of safety and soundness. The bank currently has ten offices located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

FNB Bank is proud to be the title sponsor for the 5^th Annual Festival of Lights at the Mayfield-Graves County Fairgrounds beginning the Saturday after Thanksgiving on November 25^th at 5:30 PM.  Currently, the Mayfield-Graves County Parks Department is sending out renewal invoices for past light displays and greeting card displays.

“The light show continues to grow in popularity each year due to the outpouring of community support we’ve received over the past five years,” stated Brooke Wiles, FNB VP/Marketing Director.  “Festival of Lights is a great way for our local businesses, community organizations, churches, local families and more to show their support and Christmas spirit.  We need the community’s support to continue building on this tradition and making the light displays bigger and better each year.” 

For those interested in purchasing a new light display, please visit https://GrowWithFNB.com/festival-of-lights/ to view an interactive catalog of the available lights.  After the initial purchase of a light display, a $100 renewal fee is assessed each year after to help supplement the cost of electricity for the displays.  If you would like to order a light display or secure a greeting card spot, please contact the Mayfield Graves County Parks Department at (270) 705-5888 or by e-mail at mgcfestivaloflights@gmail.com. The deadline to purchase and pay for new light displays and renewals is Monday, October 2^nd.  The deadline to reserve a greeting card spot is Wednesday, November 1^st on a first come, first serve basis. 

The drive-thru Christmas light display will open to the public on Saturday, November 25^th, 2023, and will run every weekend night through Monday, January 1^st, 2024, from 5:30 – 8:30 PM as well as other special weekday nights.  Admission is free but monetary and canned good donations are accepted. 

Stay up to date with the Festival of Lights by following FNB’s Facebook Page at https://www.facebook.com/GrowWithFNB.   

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 million.  FNB ranks among the highest in the nation in the area of safety and soundness. The bank currently has ten offices located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.

Rusty Smith, Vice President and BSA Officer for FNB Bank, was recently awarded the Certified AML and Fraud Professional (CAFP) certification from the American Bankers Association.

“Earning the CAFP certification validates Rusty’s experience and depth of education in the prevention of money laundering and fraud crimes,” stated Sally Hopkins, FNB President & CEO. 

The CAFP certification is awarded to individuals who demonstrate excellence in the field of AML and fraud prevention. It recognizes an individual’s practical experience in complying with U.S. banking laws and regulations, and their ability to detect, assess and respond to a variety of financial crimes. ABA Professional Certifications formally recognize those who meet meaningful standards of knowledge in specialty financial services areas and meet continuing education and development requirements.  For more information, visit www.aba.com/certifications.

Rusty Smith currently serves as BSA Officer for FNB and has 27 years of banking experience. Rusty is a 1988 graduate of Lone Oak High School.  He is also a graduate of Murray State University where he obtained both a bachelor’s and master’s degree in economics. He completed ABA Compliance School in 2002 and ABA Graduate School of Compliance Management in 2003. He earned ICBA’s Certified BSA/AML Professional certification in 2019 and is a 2017 graduate of Leadership Paducah – Class 30. He previously served on the Child Watch Board of Directors and currently volunteers for the United Way of McCracken County PALS program and is involved with Airedale Terrier Rescue and Adoption programs. He is also an adjunct faculty member at West Kentucky Community and Technical College. He resides in Paducah with his wife of 22 years, Marjorie.    

FNB Bank, founded in 1875, is one of the oldest banks in the state of Kentucky with assets exceeding $660 million.  FNB ranks among the highest in the nation in the area of safety and soundness. The bank currently has ten offices located in Graves, McCracken, Calloway, Trigg and Marshall County. FNB is Member FDIC and an Equal Housing Lender.